Westpac

Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South Wales, and is one of the country's "Big Four" banks. Headquartered in Sydney, it is a publicly listed company on the Australian Securities Exchange (ASX:WBC), not a customer-owned mutual, and operates a multi-brand group that includes St.George, BankSA, Bank of Melbourne, and RAMS. As an authorised deposit-taking institution (ADI) regulated by APRA, Westpac is a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards. Consumer and account data sharing beyond product reference data is available only to accredited data recipients through the CDR's authenticated, consent-driven channels.

Westpac publishes 9 API contracts indexed on the APIs.io network, including QuickStream REST API, Banking Corporation Banking Account Balances API, Banking Corporation Banking Account Direct Debits API, and 6 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Westpac catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Westpac’s developer surface includes engineering blog, documentation, support, authentication, changelog, sandbox, getting-started guide, and 40 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

59.6/100 strong ▬ flat Agent 31/100 agent ready Front door AI 3/6 light saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Product Reference Data ADI

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

Banking Account BalancesBanking Account TransactionsBanking AccountsBanking Payees

GET /banking/accounts/balances GET /banking/accounts/{accountId}/transactions GET /banking/accounts GET /banking/accounts/{accountId}

Payments & Card Management

BC-1340

Banking Account Direct DebitsBanking Account Scheduled Payments

GET /banking/accounts/{accountId}/payments/scheduled GET /banking/accounts/{accountId}/direct-debits

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 59.6/100 · strong

Contract Quality 11.5 / 19

Developer Ergonomics 11.3 / 15

Access Clarity 5.5 / 15

Operational Transparency 6.4 / 10

Contract Governance 2.0 / 9

Discoverability 5.5 / 8

Regulatory Posture 7.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 36.8 — up to +12.6 composite points
Contract Quality scores 61.4 — up to +9.7 composite points
Contract Governance scores 22.0 — up to +9.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/westpac/apis.yml: open an issue on github.com/api-evangelist/westpac to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Gulf and Southeast Asia Open Finance	regulated	56.7	-	-
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	56.7	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	56.7	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

Postman Collections

measured — observed by APIs.io (published)

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Westpac PayWay REST API

First-party Westpac payment API (beyond CDR). PayWay is Westpac's merchant payment platform; its public REST API v1 processes real-time credit-card and bank-account payments, re...

Westpac QuickStream REST API

First-party Westpac payment API (beyond CDR). QuickStream is Westpac's online payment gateway; its public REST API v1 exposes Transactions, Customers, Accounts, Credit Cards, Re...

Westpac Banking Corporation Banking Account Balances API

Banking Account Balance endpoints

Westpac Banking Corporation Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Westpac Banking Corporation Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Westpac Banking Corporation Banking Account Transactions API

Banking Account Transaction endpoints

Westpac Banking Corporation Banking Accounts API

Banking Account endpoints

Westpac Banking Corporation Banking Payees API

Banking Payee endpoints

Westpac Banking Corporation Banking Products API

Banking Product endpoints

OPEN COLLECTION

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Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Westpac Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Westpac Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Westpac

SLA

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Westpac Context

95 classes · 280 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Westpac API Rules

17 rules · 15 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 8

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Westpac Banking Account Balances Api Overlay

OAuth scopes governing access to this provider's APIs.

Westpac Scopes

5 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Westpac Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Sandbox

Sandbox

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 11

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Idempotency

ErrorCatalog

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Components

Scroll for all 11

Build 5

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

DeclineCodes

DeclineCodes

Access & Security 6

Authentication, authorization, and security posture

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

Authentication

Compliance

Operate 6

Status, limits, changes, and where to get help

RateLimits

Deprecation

StatusPage

HelpCenter

Support

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Blog

Blog

Website

Website

LinkedIn

Other 5

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

CapabilityMap

X-CDRPolicy

Source (apis.yml)

aid: westpac
url: https://raw.githubusercontent.com/api-evangelist/westpac/refs/heads/main/apis.yml
name: Westpac
kind: company
description: Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South
  Wales, and is one of the country's "Big Four" banks. Headquartered in Sydney, it is a publicly listed company on the Australian
  Securities Exchange (ASX:WBC), not a customer-owned mutual, and operates a multi-brand group that includes St.George, BankSA,
  Bank of Melbourne, and RAMS. As an authorised deposit-taking institution (ADI) regulated by APRA, Westpac is a designated
  data holder under Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product
  Reference Data (PRD) API conforming to the DSB Consumer Data Standards. Consumer and account data sharing beyond product
  reference data is available only to accredited data recipients through the CDR's authenticated, consent-driven channels.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/westpac.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-10-20'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: AgenticAccess
  url: agentic-access/westpac-agentic-access.yml
- type: RateLimits
  url: rate-limits/westpac-rate-limits.yml
- type: Spectral
  url: rules/westpac-rules.yml
- type: JSONLD
  url: json-ld/westpac-context.jsonld
- type: Vocabulary
  url: vocabulary/westpac-vocabulary.yml
- type: Idempotency
  url: conventions/westpac-conventions.yml
- type: OAuthScopes
  url: scopes/westpac-scopes.yml
- type: Deprecation
  url: lifecycle/westpac-lifecycle.yml
- type: StatusPage
  url: https://qvalent.statuspage.io/
- type: ErrorCatalog
  url: errors/westpac-error-codes.yml
- type: Overlay
  url: overlays/westpac-banking-account-balances-api-overlay.yaml
- type: Hosts
  url: hosts/westpac-hosts.yml
- type: IntegrationEdges
  url: integrations/westpac-integration-edges.yml
- type: Vendors
  url: vendors/westpac-vendors.yml
- type: SDKs
  url: packages/westpac-packages.yml
- type: Packages
  url: packages/westpac-packages.yml
- url: https://www.westpac.com.au/news/
  type: Blog
- type: CapabilityMap
  url: capabilities/westpac-capability-edges.yml
  name: Westpac Banking Corporation Business Capability Map
- type: VulnerabilityDisclosure
  url: security/westpac-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/westpac-domain-security.yml
- type: Website
  url: https://www.westpac.com.au/
- type: DeveloperPortal
  url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- type: Documentation
  url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
- type: GitHubOrganization
  url: https://github.com/westpac
- type: LinkedIn
  url: https://www.linkedin.com/company/westpac
- type: PrivacyPolicy
  url: https://www.westpac.com.au/privacy/privacy-statement/
- type: TermsOfService
  url: https://www.westpac.com.au/terms-and-conditions/
- type: X-CDRPolicy
  url: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/aw/WBC_CDR_Policy.pdf
- type: HelpCenter
  url: https://www.westpac.com.au/help/
- type: Support
  url: https://www.westpac.com.au/contact-us/
- type: Security
  url: https://www.westpac.com.au/security/how-to-report/responsible-disclosure.html
- type: Authentication
  url: authentication/westpac-authentication.yml
- type: Conventions
  url: conventions/westpac-conventions.yml
- type: ErrorCatalog
  url: errors/westpac-problem-types.yml
- type: Lifecycle
  url: lifecycle/westpac-lifecycle.yml
- type: Conformance
  url: conformance/westpac-conformance.yml
- type: DataModel
  url: data-model/westpac-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/westpac-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/westpac-browse-products.md
- type: LLMsTxt
  url: llms/westpac-llms.txt
- type: ChangeLog
  url: changelog/westpac-quickstream-changelog.yml
- type: Sandbox
  url: sandbox/westpac-sandbox.yml
- type: Components
  url: components/westpac-components.yml
- type: DeclineCodes
  url: errors/westpac-decline-codes.yml
- type: Compliance
  url: https://quickstream.westpac.com.au/docs/general/pci-compliance/
- type: GettingStarted
  url: https://quickstream.westpac.com.au/docs/
- type: APIReference
  url: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
apis:
- aid: westpac:westpac-payway-rest-api
  name: Westpac PayWay REST API
  tags:
  - Payments
  - Card Payments
  - Payment Gateway
  - Merchants
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.payway.com.au/docs/rest.html
  baseURL: https://api.payway.com.au/rest/v1
  properties:
  - url: https://www.payway.com.au/docs/rest.html
    type: Documentation
  - url: https://www.payway.com.au/docs/api-developers-guide/
    type: GettingStarted
  - url: https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway-api/
    type: SignUp
  description: First-party Westpac payment API (beyond CDR). PayWay is Westpac's merchant payment platform; its public REST
    API v1 processes real-time credit-card and bank-account payments, refunds, pre-authorisations and captures, plus a customer
    vault, single-use tokens, EMV 3-D Secure authentication, bulk payment files, surcharges and merchant configuration. Uses
    HTTP Basic auth with a publishable or secret API key over TLS 1.2+ at api.payway.com.au/rest/v1. Fully documented publicly
    but NO downloadable OpenAPI/Swagger is published (reference docs and Postman-based exploration only), so no machine-readable
    spec is wired.
- aid: westpac:westpac-quickstream-rest-api
  name: Westpac QuickStream REST API
  tags:
  - Payments
  - Card Payments
  - Payment Gateway
  - Merchants
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
  baseURL: https://api.quickstream.westpac.com.au/rest/v1
  properties:
  - url: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
    type: Documentation
  - url: https://quickstream.westpac.com.au/docs/
    type: GettingStarted
  - url: https://quickstream.westpac.com.au/docs/quickstreamapi/change-log/
    type: ChangeLog
  - url: https://quickstream.westpac.com.au/docs/downloads/postman_collection.quickstreamapi.json
    type: Postman
    name: QuickStream REST API Postman collection (provider-hosted, 89 requests)
  description: First-party Westpac payment API (beyond CDR). QuickStream is Westpac's online payment gateway; its public REST
    API v1 exposes Transactions, Customers, Accounts, Credit Cards, Recurring Payments, PayIDs, Single-Use-Tokens, Payment
    Files, PayTo Agreements, Businesses and API Keys resources for card and account payment processing. Uses HTTP Basic auth
    with a secret or publishable API key at api.quickstream.westpac.com.au/rest/v1 (test host api.quickstream.support.qvalent.com).
    Fully documented publicly but NO downloadable OpenAPI/Swagger is published; the provider does publish a Postman v2.1 collection
    (89 requests) at /docs/downloads/postman_collection.quickstreamapi.json, wired as type Postman.
- aid: westpac:westpac-banking-account-balances-api
  name: Westpac Banking Corporation Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-accounts-balance-list-schema.json
  - type: JSONSchema
    url: json-schema/westpac-response-banking-accounts-balance-by-id-schema.json
- aid: westpac:westpac-banking-account-direct-debits-api
  name: Westpac Banking Corporation Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-direct-debit-authorisation-list-schema.json
- aid: westpac:westpac-banking-account-scheduled-payments-api
  name: Westpac Banking Corporation Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-scheduled-payments-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/westpac-response-banking-instalment-plan-list-schema.json
- aid: westpac:westpac-banking-account-transactions-api
  name: Westpac Banking Corporation Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-transaction-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/westpac-response-banking-transaction-by-id-v3-schema.json
- aid: westpac:westpac-banking-accounts-api
  name: Westpac Banking Corporation Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-account-list-v3-schema.json
  - type: JSONSchema
    url: json-schema/westpac-response-banking-account-by-id-v5-schema.json
- aid: westpac:westpac-banking-payees-api
  name: Westpac Banking Corporation Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-payee-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/westpac-response-banking-payee-by-id-v2-schema.json
- aid: westpac:westpac-banking-products-api
  name: Westpac Banking Corporation Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
  - type: JSONSchema
    url: json-schema/westpac-response-banking-product-list-v4-schema.json
  - type: JSONSchema
    url: json-schema/westpac-response-banking-product-by-id-v7-schema.json
x-legal-name: Westpac Banking Corporation
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website www.westpac.com.au verified 200 with title "Westpac - Personal, Business and Corporate Banking"; all external
    common/properties pointers re-fetched 2026-10-20 and returned 200.
  evidence:
  - url: https://www.westpac.com.au/
    status: 200
  - url: https://www.westpac.com.au/terms-and-conditions/
    status: 200
  - url: https://www.westpac.com.au/help/
    status: 200
  - url: https://www.westpac.com.au/contact-us/
    status: 200
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 35
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Westpac API — frequently asked questions

Does Westpac have an API?

Yes. APIs.io lists 9 APIs from Westpac, including Westpac PayWay REST API, Westpac QuickStream REST API and Westpac Banking Corporation Banking Account Balances API, and 6 more.

Is there an OpenAPI specification for the Westpac API?

Yes. APIs.io indexes 7 OpenAPI specifications for Westpac, each linked for download from this page.

How do I authenticate with the Westpac API?

Westpac uses bearer-token authentication (http-basic · 1 scheme). The details are profiled on APIs.io as Westpac Authentication.

Is the Westpac API ready for AI agents?

Westpac has a Kin Score of 59.6 out of 100 (strong) and an Agent Readiness score of 31.2 (agent-ready), scored by API Evangelist on 2026-11-06.

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